Bridge payer delays or open a new clinic. Compare a credit line with a lump-sum advance. $25,000 to $5,000,000, FICO 500+ considered.
See My OptionsPhysical Therapy Funding Comparison
Billing cycles and expansion projects need different tools. We put a line of credit and a merchant cash advance side by side for your physical therapy practice.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft credit pull to start keeps your score unaffected.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan around reimbursement cycles.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A physical therapy clinic can have a packed treatment floor and still feel tight on cash. Visits are billed, payers process on their own clock, and therapists, front desk staff and rent are due every cycle. Adding a therapist or a new location makes that timing even tighter for a while.
Two products come up often. A business line of credit is a reusable limit you draw from. A merchant cash advance is a single lump sum repaid from future revenue.
If your main headache is timing, a line keeps a buffer on hand. Draw during a slow payment cycle, repay when reimbursements arrive, and keep the limit ready for the next one. It also handles supply reorders and smaller repairs to tables or modalities. More on our business line of credit for physical therapy page.
An advance fits projects with a clear cost:
Read merchant cash advance for physical therapy, and compare equipment financing for physical therapy for larger equipment buys.
A quick test: will you need this money again in a few months? If yes, the line probably fits. If the need ends once the project is done, an advance is often simpler. Some clinics keep a line for billing gaps and use an advance only for expansion. For either product, you see the full repayment amount and schedule in the offer before you accept.
We fund established clinics with steady deposits, from $25,000 to $5,000,000. The application takes 5 minutes and begins with a soft credit pull. We review about three months of business bank statements, consider FICO 500+, and do not require tax returns. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Apply now.
Often, yes. A line lets you draw while claims are pending and repay once payments arrive, then reuse the limit.
Yes. A new location is a one-time project with a defined cost, which is a common use for an advance.
We look at deposits into your business bank account over about three months, whatever the source.
No. We review about three months of business bank statements and start with a soft credit pull.
Yes. Sole proprietors can apply.
Some clinics keep a line for billing gaps and take an advance for a single expansion project. What fits depends on deposits and existing obligations. Each offer shows the full repayment amount and schedule before you accept, so you can compare them side by side for your clinic.
Example uses for illustration only.
These steps can help a clinic present a cleaner file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding